Gold Loan Calculator (with EMI): Simple, Fast & Accurate
Need instant cash and thinking about taking a loan against your gold? Our Gold Loan Calculator helps you estimate how much loan you can get based on gold weight, purity, market price, interest rate, and loan duration.
Whether you’re comparing options or planning repayment, this tool gives you complete clarity, including EMI, interest cost, and total repayment.
🛠️ How the Gold Loan Calculator Works
It calculates:
-
Eligible Loan Amount – based on gold purity, weight, price per gram & LTV.
-
Monthly EMI – using interest rate & duration.
-
Total Interest Payable
-
Total Repayment Amount
📊 Example Calculation
Let’s take an example to understand the calculator better:
Parameter |
Input |
|---|---|
Gold Weight |
20 grams |
Purity |
22K |
Gold Price per gram |
₹5900 |
LTV (Loan to Value) |
75% |
Interest Rate |
10% annually |
Loan Duration |
12 months |
🧮 Output:
-
Eligible Loan Amount: ₹88,000
-
Monthly EMI: ₹7,746
-
Total Interest Payable: ₹4,956
-
Total Repayment Amount: ₹92,956
💡 Note: Your actual loan terms may differ based on your bank or NBFC.
So, go ahead and give it a try below and checkout, how much loan amount you can get by pledging your gold
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🔁 Comparison: Gold Loan vs SGB vs Personal Loan
Feature |
Gold Loan |
||
|---|---|---|---|
Purpose |
Credit / Cash Need |
Investment |
Credit / Cash Need |
Interest Paid By |
Borrower (you) |
Government pays you 2.5% annually |
Borrower (you) |
Interest Rate |
~9% to 14% |
2.5% (you earn) |
~12% to 24% |
Tenure |
Flexible (3-36 months) |
Fixed 8 years |
1-5 years |
Collateral |
Yes (Gold) |
No |
No |
Capital Appreciation |
No |
Yes (Gold price linked) |
No |
Tax Benefits |
None |
Tax-free maturity |
None |
Verdict:
-
For immediate funds, gold loan is often cheaper than personal loans.
-
For long-term investment, SGB is a better wealth-building option.
💡 Pro Tips for Gold Loan Borrowers
-
Compare LTV ratios across lenders.
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Always ask for the effective interest rate.
-
Use EMI option if you prefer small monthly outflow.
-
Choose shorter tenure to save on interest.
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Ensure purity is certified (22K/24K).
❓ FAQs
Q1. What is LTV in a gold loan?
LTV (Loan-to-Value) is the percentage of gold’s value the bank lends. Example: If your gold is worth ₹1 lakh and LTV is 75%, you get ₹75,000.
Q2. Is gold loan cheaper than personal loan?
Yes, gold loans usually have lower interest rates due to collateral and faster approvals.
Q3. Will my gold be safe?
Yes. Reputed banks and NBFCs store gold in secure vaults and return it after full repayment.
Q4. Can I repay early?
Most lenders allow prepayment without penalty. Check with your lender.
Q5. How is EMI calculated?
EMI is based on principal, interest rate, and duration using the reducing balance method.
🧾 Conclusion
Gold loans are a smart short-term credit option if you have idle gold jewelry or coins. They’re quick to avail, less expensive than personal loans, and require minimal documentation.
Use our calculator above to get accurate figures before approaching a lender.
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A brief understanding of
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Learn about the basics of candlestick chart patterns and how to use them for intraday trading and investing. You should also learn about the best moving averages to use for better trading result.
Checkout Mastering Intraday Trading: A Beginner’s Guide to Profitable Strategies in the Indian Stock Market
Note: Please do your own research and make investment. Moneycontain will not be responsible for any of your losses at all. The point made is for educational purpose only and intended to give information. All investments are subject to risks, which should be considered prior to making any investments.
⚠️ Disclaimer
This calculator provides estimates only. Loan eligibility, interest, and EMI depend on the lender’s policy. Always consult your financial advisor or loan provider before making a decision.
